Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Ypsilanti is 45.
  • The cheapest car insurance company in Ypsilanti after a DUI is USAA
  • Average car insurance rates in Ypsilanti, MI for senior drivers are $7,146/year

Average car insurance rates in Ypsilanti, Michigan are $909 a month. But with a little research you can get a great deal from the top car insurance companies in Ypsilanti, MI. Before you buy Ypsilanti, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Ypsilanti car insurance rates with Warren car insurance rates, Livonia car insurance rates, or Flint car insurance rates to make sure you’re getting the best Ypsilanti, MI car insurance quotes available.

Need affordable Ypsilanti, MI car insurance? Enter your ZIP code to compare Ypsilanti car insurance quotes from multiple car insurance companies near you.

Ypsilanti, MI Minimum Car Insurance Coverage

Ypsilanti, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Ypsilanti, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Ypsilanti, MI Car Insurance Rates by Coverage Level

Some Ypsilanti drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Ypsilanti, Michigan car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Ypsilanti, Michigan

Insurance Company Low Medium High
Allstate $20,373 $20,953 $21,392
Farmers $11,350 $11,700 $12,156
GEICO $5,772 $6,109 $6,601
Liberty Mutual $21,376 $21,819 $22,406
Nationwide $6,018 $5,689 $5,630
Progressive $5,291 $5,457 $5,604
State Farm $13,871 $14,730 $15,305
Travelers $8,098 $8,192 $8,260
USAA $3,381 $3,496 $3,584

Ypsilanti, MI Car Insurance Rates by Age, Gender, and Marital Status

Ypsilanti, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ypsilanti, MI car insurance, get quotes from multiple car insurance companies in the Ypsilanti area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ypsilanti, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $14,847 $14,847 $13,640 $13,640 $39,445 $39,445 $15,691 $15,691
Farmers $8,905 $8,905 $8,237 $8,237 $19,730 $19,730 $10,070 $10,070
GEICO $4,201 $4,201 $4,314 $4,314 $12,110 $12,110 $4,019 $4,019
Liberty Mutual $16,417 $16,417 $16,256 $16,256 $38,378 $38,378 $16,417 $16,417
Nationwide $4,107 $4,107 $3,653 $3,653 $10,853 $10,853 $4,504 $4,504
Progressive $3,169 $2,928 $2,805 $3,142 $11,861 $12,629 $3,688 $3,384
State Farm $8,768 $8,768 $8,165 $8,165 $31,294 $31,294 $10,314 $10,314
Travelers $5,498 $5,498 $4,728 $4,728 $16,536 $16,536 $5,970 $5,970
USAA $2,566 $2,407 $2,420 $2,267 $6,280 $5,908 $3,104 $2,944

Ypsilanti, MI Car Insurance Rates for Teens

How much is Ypsilanti, Michigan car insurance for teens? Compare rates from top Ypsilanti car insurance companies below to help find the cheapest teen car insurance in Ypsilanti, MI.

Annual Car Insurance Rates for Teen Drivers in Ypsilanti, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $39,445 $39,445
Farmers $19,730 $19,730
GEICO $12,110 $12,110
Liberty Mutual $38,378 $38,378
Nationwide $10,853 $10,853
Progressive $11,861 $12,629
State Farm $31,294 $31,294
Travelers $16,536 $16,536
USAA $6,280 $5,908

Ypsilanti, MI Car Insurance Rates for Seniors

Before seniors buy Ypsilanti, Michigan car insurance, they should make sure to shop around. Some Ypsilanti, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Ypsilanti, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,640 $13,640
Farmers $8,237 $8,237
GEICO $4,314 $4,314
Liberty Mutual $16,256 $16,256
Nationwide $3,653 $3,653
Progressive $2,805 $3,142
State Farm $8,165 $8,165
Travelers $4,728 $4,728
USAA $2,420 $2,267

Ypsilanti, MI Car Insurance Rates by Credit History

How does your credit history affect Ypsilanti, MI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Ypsilanti, Michigan

Insurance Company Poor Fair Good
Allstate $31,393 $17,531 $13,794
Farmers $17,300 $9,293 $8,614
GEICO $7,925 $5,822 $4,735
Liberty Mutual $34,609 $19,975 $11,016
Nationwide $7,227 $5,460 $4,651
Progressive $6,283 $5,299 $4,770
State Farm $23,773 $12,001 $8,132
Travelers $8,386 $8,133 $8,031
USAA $5,206 $2,987 $2,268

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Ypsilanti, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Ypsilanti, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ypsilanti.

Annual Ypsilanti, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,183 $13,498 $45,656 $14,287
Farmers $9,785 $12,641 $12,424 $12,092
GEICO $2,119 $4,581 $13,964 $3,979
Liberty Mutual $15,052 $18,356 $34,628 $19,431
Nationwide $4,952 $6,592 $6,001 $5,572
Progressive $4,614 $6,084 $5,454 $5,651
State Farm $9,195 $11,087 $24,333 $13,926
Travelers $5,527 $7,904 $12,766 $6,536
USAA $2,805 $3,510 $4,578 $3,055

Ypsilanti, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Ypsilanti, MI car insurance rates. Compare rates below to see which Ypsilanti car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Ypsilanti, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $45,656
Farmers $12,424
GEICO $13,964
Liberty Mutual $34,628
Nationwide $6,001
Progressive $5,454
State Farm $24,333
Travelers $12,766
USAA $4,578

Ypsilanti, MI Car Insurance Rates by ZIP Code

Just like Ypsilanti car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ypsilanti, MI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Ypsilanti, Michigan

ZIP Code Average Annual Rates
48197 $7,757
48198 $7,541

Ypsilanti, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Ypsilanti, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Ypsilanti companies based on commute time.

Annual Car Insurance Rates by Commute Length in Ypsilanti, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,906 $20,906
Farmers $11,735 $11,735
GEICO $6,023 $6,299
Liberty Mutual $21,120 $22,613
Nationwide $5,779 $5,779
Progressive $5,451 $5,451
State Farm $14,236 $15,035
Travelers $8,137 $8,230
USAA $3,447 $3,527

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Ypsilanti, MI Cheapest Car Insurance Rates

How do the top Ypsilanti, Michigan car insurance companies’ average rates stack up against the Ypsilanti average monthly car insurance rates of $909? Take a look and see.

Best Annual Car Insurance Rates by Company in Ypsilanti, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Ypsilanti, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Ypsilanti, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Ypsilanti, Michigan

Insurance Company Average Annual Rates
Allstate $20,906
Farmers $11,735
GEICO $6,161
Liberty Mutual $21,867
Nationwide $5,779
Progressive $5,451
State Farm $14,635
Travelers $8,183
USAA $3,487

Other Factors Affecting Ypsilanti, MI Car Insurance Rates

Before you buy Ypsilanti, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ypsilanti, MI Car Theft Rates

The car theft rate in Ypsilanti, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Ypsilanti, Michigan is 45 stolen cars.

Ypsilanti, MI Commute Time

How does your Ypsilanti, MI commute time compare with the average driver? In Ypsilanti, the average commute is 22.0 minutes.

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Ypsilanti, MI Car Insurance Quotes

Compare Ypsilanti, MI car insurance quotes from multiple companies by entering your ZIP code now.